Car Loans for New Arrivals
Recently moved to Australia? We help new arrivals access car finance, even without Australian credit history. Whether you are a skilled migrant, partner visa holder, or international professional, we find lenders who understand your situation.Car finance for new arrivals - even without Australian credit history.
Finance for new Australians - no local credit history required
Welcome to Australia
Moving to a new country is exciting but navigating finance can be challenging. We are here to help you understand your options and find car finance that works for your situation. Speak with our broker to discuss your specific circumstances.
Common Challenges - And How We Help
We understand the obstacles new arrivals face when seeking finance
No Australian Credit History
We work with lenders who accept applicants with no local credit history. They assess based on employment, income, and other factors instead.
No Local Employment History
New arrivals with job offers or recent employment can still qualify. Some lenders accept overseas work history and references.
No Australian Bank Accounts Yet
While you will need an Australian bank account for the loan, we can guide you through setting one up if you have not already.
Unfamiliar with Australian Finance
We explain everything clearly - how Australian car loans work, what comparison rates mean, and your rights as a borrower.
Why New Arrivals Choose Us
We specialise in helping newcomers to Australia
New Arrival Specialists
We understand the challenges of establishing yourself in a new country and finding finance without local history.
No Credit History Options
Access lenders who assess your application based on current circumstances, not Australian credit history.
Overseas Income Accepted
Some lenders consider overseas employment history, bank statements, and income when assessing your application.
Guidance Through the Process
We explain how Australian car finance works and what to expect, making the process less daunting.
What You Will Typically Need
Requirements vary by lender and your situation, but here are the common documents needed for new arrival car finance.
Moving to Australia?
A car is often essential for work, exploring your new home, and building your life in Australia. We help make car finance accessible for newcomers.
New Arrival Car Loan FAQs
Common questions from people new to Australia
It depends on your visa type and employment situation. Generally, you will need to have started work in Australia and have some income evidence. Some lenders require 3-6 months of Australian employment, while others are more flexible for certain visa types. Contact us to discuss your specific situation.
Not necessarily. While having Australian credit history help...
Not necessarily. While having Australian credit history helps, we work with lenders who accept applicants with no local credit history. They assess your application based on employment, income, visa status, and other factors.
Some lenders may consider overseas credit reports as support...
Some lenders may consider overseas credit reports as supporting evidence, though it is not a primary factor. Your Australian employment and income are typically more important for assessment.
Requirements vary by lender. Some require 3-6 months of Aust...
Requirements vary by lender. Some require 3-6 months of Australian employment, while others may accept a job offer letter or recent start with a reputable employer. Permanent residents generally have more flexibility.
Deposit requirements vary. New arrivals may be asked for 10-...
Deposit requirements vary. New arrivals may be asked for 10-20% deposit, especially those on temporary visas or with limited local history. A larger deposit improves your options and may result in better rates.
Yes, you can transfer savings from overseas to use as a depo...
Yes, you can transfer savings from overseas to use as a deposit. Lenders may ask for evidence of the source of funds (overseas bank statements showing the savings history).
Yes, permanent residents generally have more options than te...
Yes, permanent residents generally have more options than temporary visa holders. Many lenders treat permanent residents similarly to Australian citizens, though you may still need to establish some local income and banking history.
You can finance new or used cars, though some lenders may ha...
You can finance new or used cars, though some lenders may have restrictions on vehicle age for new arrivals. We can advise on what is possible for your situation.
Still have questions? Contact our friendly team